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A HELOC (Home Equity Line of Credit) uses the available equity in your home to fund larger expenses. The money from a HELOC can be used for just about anything, including home improvements, dream vacations, and education expenses. Denver Community Credit Union's HELOC products have attractive draw period and payback options. What makes the HELOC a great option for many is that you only take out as much as you need, when you need it, and only pay interest on the balance that you owe. (See details at the bottom of this page.)
HELOC interest rates are tied to Prime, as published by the Wall Street Journal. Prime can change; therefore, the interest rate on your HELOC can change as well. The limit of your HELOC is determined by various factors including, but not limited, to the amount of available equity in your home, credit score, loan-to-value (LTV), loan term, and other liens.
Find out more about Denver Community Credit Union HELOCs in our Q&A section.
If you already have a Home Equity Line of Credit, find out how to access your funds.
* All products are subject to credit and property approval. Rates and terms are subject to change without notice. Certain restrictions and limitations may apply. Home equity loans must be secured by your owner-occupied residence. Loan-to-value (LTV) of 85% or less, depending on market. Property insurance is required. The rate is indexed to prime plus or minus a predetermined margin and is subject to change quarterly. The floor interest rate is 5.00% APR. (APR = Annual Percentage Rate). All application requests are subject to credit approval. For specific tax advice, please consult a qualified tax professional. Home Equity Lines of Credit are offered through Denver Community Credit Union.
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